Slide 1: Nine Month Analyst Presentation Financial Results
\/ : PermataBanky NINE MONTH Analyst Presentatio Financial Results
Slide 2: Disclaimer
Disclaimer permataBaniNV This report has been prepared by PT Bank Permata Tbk independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. The information in this report has been obtained from sources which we dee
Slide 3: Model Branch Mural in Medan (Zainul Arifin)
Model Branch Mural in Medan (Zainul Arifin) An illustration depicting one of Indonesia's cultural treasure originating from North Sumatera, Tor-Tord
Slide 4: PermataBank At-a-Glance
PermataBank At-a-Glance PT Bank Permata Tbk Year Established 1955 Listed at IDX 1990 Stock Code BNLI Total Asset Rp252 trillion Market Capitalization Rp38 trillion Business Segment Retail Banking Wholesale Banking Product & Service Conventional Sharia Shareholders Bangkok Bank - 98.7% Public - 1.3%
Slide 5: Top Indonesian Banks with National Banking Coverage
Top 10 Indonesian Banks with National Banking Coverage PermataBaniV 61 Cities 20,000+ Indomaret Model Branch Offices Channels Sumatera 24 Batam 3 Kalimantan 13 Sulawesi Conventional 19 Conventional 3 Conventional 10 Conventional Sharia 5 Sharia 3 Sharia Sn Sudirman Podomoro Surabaya Medan Convention
Slide 6: Vision, Mission, Strategic Priority & Enabler
Vision, Mission, Strategic Priority & Enabler PermataBaniV VISION MISSION 4 Serving as an efficient financial institution and agent of development for our customers and the people To be the Bank of Choice, nurturing relationship and ?) Offering universal financial services in a simple, fast, creatin
Slide 7: Board of Commissioners
Board of Commissioners permataBaniNV Chartsiri Sophonpanich Chong Toh President Commissioner Commissioner Chalit Tayjasanant Commissioner ‘wre Haryanto Sahari Goei Siauw Hong Yap Tjay Soen Riswinandi* Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner
Slide 8: Board of Directors
Board of Directors permataBaniNV Abdy Dharma Salimin Dhien Tjahajani Herwin Bustaman President Director Technology & Operation Director Legal & Compliance Director Sharia Business Unit Director Djumariah Tenteram Dayan Sadikin Setiatno Budiman Retail Banking Director HR Director Risk Director Rudy B
Slide 9: Journey with Bangkok Bank
Journey with Bangkok Bank PermataBaniNP May 2020 December 2020 2022 - Next © Bangkok Bank 4 y Rawat / Bangkok Bank PLC The Bangkok Bank Synergize and completed the Indonesia branch is collaborate to build acquisition of integrated with common strengths in PermataBank with PermataBank, thus providing
Slide 10: Synergies With Bangkok Bank
Synergies With Bangkok Bank Strategy Transaction Banking Sharing capabilities and operational models fo understand the transaction business at PermataBank and Indonesia Cross Border Payments Has launched Asia Same-Day service (Remittance/Telegraphic Transfer service from/to Bangkok Bank Thailand in
Slide 11: Awards & Achievements
Awards & Achievements permataBaniNV 1. “The Highest Digital Index”, Tabungan Unit Usaha Syariah - Bank Umum Konvensional_ PermataTabunganBebasiB 1.‘ The Best, Mobile Banking Bank Umum Konvensional PermataMobile X 2. “The Highest Digital Index”, KPR Unit Usaha Syariah - Bank Umum Konvensional Permata
Slide 12: Awards & Achievements
Awards & Achievements permataBaniNV Gold Category The 14" ICD CG Stevie Awards Award for Innovation in Corporate Websites: 17,843 - PermataStore — Conference and Award 2023 One Stop Solution for Banking Products + The “Best Disclosure and Transparency” ~ Big Cap Listed Companies ~ Bronze Category Th
Slide 13: Corporate Social Responsibility
Corporate Social Responsibility 80 580 rmatatart LP | rerieastaseuik PERMATA @ PERMATA © YOUTHPRENEUR 2,700 Students 4,900 Beneficiaries with Disabilities PERMATA ye BRAVE ©) PT Bank Permata Tbk *YTD as of 30 September 2023 \/ PermataBanky iv] p +7K SEO +82K Strategic Partners Schools & Communities
Slide 14: ae; —i
ae; —i “os Permatal a
Slide 15: Macroeconomic Updates
Macroeconomic Updates PermataBaniNP 5.50% 5.75% 5.75% 2.64%, BI floor target 2.0% 3.50% 3.50% 3.50% 1.87% Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23) Sep-2. -0-YOY Inflation ' GDP is still growing po: above 5% —o-7-Day Reverse Repo Rate Rupiah s
Slide 16: Key Financial Highlight September 2023
Key Financial Highlight September 2023 PermataBankP @ Total Loans (Rp oO Total Deposits (Rp Total Assets (Rp CAR.) wo? trillion) YY trillion) an trillion) 2 A 24% YoY A 12.6% YoY A 14.3%Y0Y A 6.2% YoY C 7 oe - Co \ Co \ 1 1 593% @—— ' ( \ ( \ 1 1 CASA Ran ® 95.9% | ' 2619 | | 39.4% | 1818 | ' ' 135.
Slide 17: Profit After Tax, Total Revenue and PPOP
Total Revenue (Rp trillion) Profit After Tax (Rp trillion) 9.0 8.1 Pre-Provision Operating Profit / ↑ PPOP (Rp trillion) ↑
Slide 18: Margin Improvement and Efficient Business Processes
Margin Improvement and Efficient Business Processes PermataBankP I A 24bps YOY A 62%YOY ; 82.4% agi, 79.8%! 79.7% | ra4% 78 ; oan 4.6% | Sep-22 Dec-22 Mar-23 Jun-23 \ Cost to Income Ratio (%) Vv 3.9% YOY ee Sep-22 Dec-22 Mar-23 Jun-23 \ Sep-23 9 ' ~-eE 531% 55.1% oO 50.2% = 49.9%! age | Sep-22 Dec-2
Slide 19: Positive Loan Growth with Diversified Portfolio
Positive Loan Growth with Diversified Portfolio PermataBankV & al Loans (Rp trillion) fae WB Loan Composition A 2.4% YoY one n nnn Commercial 135.7 ‘\ —— Total Loan 16% Wholesale As of Banking (WB) 30 Sep 2028 1 3.1% yor Corporate 84% Retail Banking (RB) 48.4 49.0 1 1.2% vor sep'22 [al RB Loan Compo
Slide 20: Loan Quality Improved with Prudent Provision
Loan Quality Improved with Prudent Provision PermataBaniNP Gross and Net NPL NPL Coverage Ratio V 20 bps YOY (Gross NPL) Well Maintained Above >200% NetNPL —— 0.5% GrossNPL —— 3.1% Cost of Credit’ Sep-22 Source : Published report, ratio (%) are calculated using Bank Only Statements *Cost of Credit i
Slide 21: Sep-22 Sep-23
8.3 5.4 6.1% 3.9% Sep-22 Sep-23 Source : Published report
Slide 22: Improved Deposit with Strong CASA
Improved Deposit with Strong CASA — Total Deposits y A 12.6% YO sharia Depos!"_@{ 26.50 }; Sharia Deposit 22.37 |o— (Rp trillion) | 118.5% Total 1615 Deposit E58) CASA + 6.0% Time Deposit } 22.2% Sep-22 PT Bank Permata Tbk \/ PermataBanky Deposit by Business Wholesale, 35% As of 30 Sep 2023 Retail,
Slide 23: Maintaining Our Strength in Capital Management
Maintaining Our Strength in Capital Management PermatarianiV 2 as Remon A 3.4% YOY 41.4% i y 39.0% | 39.4% | 46.8 (485 330% 342% Sep-22 Dec-22 Mar-23 Jun-23 I Sep-23 | _——__ [i A 4.8% YOY °, { Sep-22 \ sep-23 318% 297% | 29.9% 25.1% 25.7% Sep-22 Dec-22 Mar-23 Jun-23 \ Sep-23 | Source : Published rep
Slide 24: Model Branch Mural in Semarang (Bangkong)
Model Branch Mural in Semarang (Bangkong)
Slide 25: Wholesale Banking Business Initiatives
Wholesale Banking wy Business Initiatives PermataBank ACTIVELY PARTICIPATE IN SYNDICATION ACTIVELY PARTICIPATE IN ENVIRONMENT- FINANCING FRIENDLY & SUSTAINABLE DEVELOPMENT Actively participates in syndicated financing and acts PermataBank participated in providing financing for as a facility and sec
Slide 26: Wholesale Banking Digital Banking Service for SME and Corporate
Wholesale Banking Y Digital Banking Service for SME and Corporate PermataBank QR MERCHANT > 300,000 MERCHANTS API BANKING More than 150 APIs available BLOCKCHAIN ‘TRADE FINANCE DIGITAL VALUE CHAIN SUPPLY CHAIN FINANCE PERMATA e-BUSINESS INTERNET BANKING PERMATA e-BUSINESS MOBILE BANKING VIRTUAL + PH
Slide 27: Retail Banking Products
Retail Banking ¥ Providing the Best & Innovative Products PermataBank MORTGAGE ) CREDIT CARD ) DEPOSIT ) Focus on primary market, strengthen partnership with * Various card benefit and features to fulfill customer Build Mass Affluent segment which also main developers. lifestyle dining, travel, and
Slide 28: Retail Banking Business Initiatives
Retail Banking Business Initiatives COLLABORATION WITH BUSINESS PARTNERS CASH MANAGEMENT Bi Gadomari) LOAN CHANELLING HOME CREDIT Kiedivo ACCOUNT OPENING & DIGITAL PAYMENT mona INVESTMENT © Fal) Ne gjaib INDOPREMIER Investment Management PT Bank Permata Tbk \/ PermataBanky DIGITAL SOLUTION IN BANKIN
Slide 29: Retail Banking Digital Banking Service
Retail Banking Y Digital Banking Service PermataBaniV PERMATA ATM > 20,000 ATM &INDOMARET PERMATANET ONLINE BANKING PERMATA MOBILE X [| MOBILE BANKING DIGITAL MODEL BRANCH ONLINE / OFFLINE PERMATABANK.COM HOME RELATIONSHIP MANAGER o VIRTUAL + PHYSICAL ASSISTED PERMATA QRPAY QRIS PERMATA TEL ASSISTED
Slide 30: Sharia Banking Business Initiatives
Sharia Banking Business Initiatives Seamless Digital Account Opening Permata RDN Sharia Launching Seamle Jakarta, Torsday, 2 March 2023 Sirsing Ceremony PT Bank Permata Tbk \/ PermataBanky Continuous External Recognitions Permatabank Syariah Received Various Digital Brand Awards “The Highest Digital
Slide 31: Sharia Banking Digital Business Capabilities
Sharia Banking y Digital Business Capabilities PermataBank PERMATA ATM > 20,000 ATM & INDOMARET LL MODEL BRANCH PERMATA MOBI ONLINE / OFFLINE PERMATABANK:.: API BANKING | = “8 ERMATA e-BUSINESS PERMATA TEL ASSISTED + Al VOICE RECOGNITION + IVR PERMATA EDC PT Bank Permata Tbk 9M2023 Business Updates
Slide 32: Appendices
Appendices
Slide 33: Stock Information
Stock Information 1,200 zg 5 2 g S & & 900 800 700 Closing Stock Pr 600 500 | , ti Jai i , hal Dec-22 PT Bank Permata Tbk Closing Price Dec 2022 — Sep 2023 1,100 1,000 ee es 31-Mar-23, 950 ill Mar-23 IDX: BNLI 27-Jun-23, 975 Jun-23 mam Volume ——Close 29-Sep-23, 925: 500-23 1,200,000 1,000,000 800,00
Slide 34: Balance Sheet
Balance Sheet permataBaniNV in Rp trillion Sep-23 Sep-22 YoY (%) Cash 14 1.6 (10%) Placement with Bank Indonesia 25.7 25.9 (1%) Placement with Other Banks 5.0 5.6 (11%) Marketable Securities 70.8 46.0 54% Loans (Gross) 138.9 135.7 2% Allowance for Loan Impairment Losses (11.4) (9.9) 15% Other Assets
Slide 35: Income Statement
Income Statement PT Bank Permata Tbk in Rp billion Net Interest Income Non-Interest Income Revenue Operating Expense Pre-Provision Operating Profit Provision for losses Operating Profit Non-Operating Income Profit Before Tax Tax Profit After Tax Source: Published Report, Ratio (%) are Calculated usi
Slide 36: Financial Ratios
Financial Ratios permataBaniNV Financial Ratios (in %) Sep-23 Sep-22 YoY (BPS A) CET-1 ratio 29.9 25.1 5 Total CAR 39.4 33.2 6 Loan to Deposit Ratio (LDR) 75.6 83.3 (8) CASA Ratio 55.9 59.3 (3) ROA 15 16 (0) ROE 62 67 (1) BOPO 79.7 73.4 6 CIR 49.2 53.1 (4) NIM 45 42 (0) NPL Gross 2.9 3.1 (0) NPL Net
Slide 37: PT Bank Permata Tbk Investor Relations
PT BANK PERMATA TBK INVESTOR RELATIONS DEPARTMENT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website: www.permatabank.com/id/tentang-kami/hubungar-investor Email: investor.relations@permatabank.co.id PermataMobile X A Whole New Banking Experience